Send payments 24/7/365 

Keep cash longer and satisfy payees with instant payouts for gig workers, marketplace sellers and submerchants, insurance claims, online loan funding and more. 

Receive payments faster to boost liquidity 

Collect receivables faster and gain more control for cash management with instant payments solutions that are irrevocable. 

Dollar Sync Duotone
Transfer instantly up to $10M 
Enable real-time funding up to $10M in USD in a single transfer via the Real Time Payments® (RTP®) network. 
Cog Double Duotone
Automate reconciliation 
Save time and increase accuracy with fast, detailed transaction data and automated reconciliation. 
Hand Holding Dollar Duotone
Reduce costs and risk 
Instantly move money at less cost than most traditional same-day methods, with irrevocable transactions to avoid returns and chargebacks. 
Shield Lock Duotone
Safeguard your business 
Count on multi-layered fraud prevention and risk management controls across SVB and RTP networks. 

Embed instant payment efficiency with APIs

SVB Instant Payments APIs enable seamless money movement in fintech platforms, on-behalf-of payments for third-party processors, and other innovation economy use cases.
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Payment Management Insights

Access articles with actionable advice to help you optimize payment strategies to successfully manage growth.
Blog | Business Growth Cash Management at scale: Top strategies for fast-growth companies Learn key cash management strategies for your startup to help you improve efficiency, scalability and better manage your cash flow. Read now
Blog | Payment Management Insights 7 reasons why embedded payments can be a powerful business driver  What are embedded payments and how can they generate revenue for startups? Learn key benefits of embedding payments to boost revenue, growth and valuation. Read now
Blog | Business Growth Cybercrime is on the rise: Learn how to protect against the latest threats  Cybercrime is on the rise. Jenni Halleran, SVB's Deputy BSA Officer and Head of Financial Crimes Investigations, shares with you effective ways to protect against the latest cybersecurity threats. Read now

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Instant Payments FAQs 

What is an instant payment? 

An instant payment is an electronic credit transfer between financial institutions that can be initiated and settled almost immediately. Businesses can send or receive instant payments 24/7/365 using a service like the Real-Time Payment (RTP) network. 

How do we receive real-time payments? How do we receive real-time payments? 

To receive instant payments, your customer (or other payer) initiates the money transfer to your business checking account. Unlike ACH where you can pull payment by debiting a payer’s account, with the RTP network payers must initiate the credit transfer. 

When can we make instant payments? 

Real-time payment networks provide maximum flexibility to send payments 24/7/365. No more having to plan around banking business hours, weekends or holidays. Recipients receive funds immediately in their bank account, and senders receive confirmation with detailed transaction data for easier reconciliation.